learnfinancewithFlorida
One-half credit in personal financial literacy and money management is required for the 24-credit standard diploma, the 18-credit CTE pathway, and the 18-credit ACCEL option (Fla. Stat. §1003.4282(3)(h)).
Students entering grade 9 in the 2023–24 school year and later. "Class of 2027" is a four-year derivation — the statute defines the cohort by entering-9th-grade year and FLDOE publishes no graduating-class label.
In force — first bound the class of 2027.
- How it may be delivered
- EITHER, but a CODED COURSE must be taken — this is not an embed-anywhere standards mandate. Routes: (a) standalone 0.5-credit course (2102371/2102373, CCD graduation code PL); (b) combined course satisfying BOTH economics and personal financial literacy (2102300/2102305, code FE); (c) CTE course 8815120 Personal Finance. Economics was NOT repealed — §1003.4282(3)(d) still requires 0.5 credit economics within the 3 social studies credits.
Source: FLDOE Course Code Directory narrative 2025-26; Fla. Stat. §1003.4282(3)
- Credit value
- one-half credit — carved out of electives, not additive: §1003.4282(3)(g) reduces electives from 8 to 7.5 (standard diploma); CTE pathway 2 to 1.5; ACCEL 3 to 2.5
Source: Fla. Stat. §1003.4282(3)(g)-(h)
- Instructional-hour rule
- Not yet verified to a primary source — we publish only what we can cite.
- Below high school
- No middle or elementary COURSE requirement (§1003.4156 contains none). But §1003.41 requires K-12 social studies standards to include financial literacy, and the adopted standards carry an ELEMENTARY strand at grade 4 (SS.4.FL.1-6). An optional middle-school course exists: 2104060 M/J Introduction to Personal Financial Literacy. No promotion gate.
Source: Fla. Stat. §1003.4156; §1003.41; Social Studies 2023 standards (SS.4.FL)
- State-mandated assessment
- NONE. Florida's statewide EOCs are B.E.S.T. Algebra 1 and Geometry, Biology 1, U.S. History, and Civics — no state test for personal financial literacy or economics, and §1003.4282 imposes no assessment condition.
- Who may teach it
- PARTIAL — verified: Business Education (Grades 6-12) certification is authorized to teach 2102371, 2102373, 2102300, 2102305, 2104060, 7921021 and 7921023 (CPALMS certification listing). The complete per-course certification list in Course Code Directory Section 3 could not be extracted — do not represent the certification list as complete to a district. Informational only.
Source: CPALMS certification listing (FLDOE-affiliated) for Business Education 6-12
- State course codes
- 2102371 — Personal Finance and Money Management (standalone; CCD code PL; HIGH confidence) · 2102373 — Personal Finance and Money Management Honors (PL; HIGH confidence) · 2102300 — Economics and Personal Finance (satisfies BOTH economics and PFL; CCD code FE; HIGH confidence; credit value not primary-confirmed) · 2102305 — Economics and Personal Finance Honors (FE; HIGH confidence) · 8815120 — Personal Finance (CTE route; HIGH confidence) · TERMINATED June 30, 2024 — DO NOT USE: 2102372, 2102374, 2102335, 2102345 (still widely quoted in vendor material; submitting them is a rejected state report) · 8500120 satisfied the requirement for 2023-24 ONLY; 2102385 (renumbered from 2102375) and 7921023 carry UNCONFIRMED PL coding — verify before coding a student record
- Standards framework
- 9–12 Financial Literacy strand of Florida’s State Academic Standards — Social Studies 2023 (SS.912.FL: 7 standards, 89 benchmarks). NOTE: no "B.E.S.T. Personal Financial Literacy standards" publication exists; the B.E.S.T. MA.912.FL math strand does NOT satisfy the requirement.
- Funding a district may cite
- (a) Perkins V (FLDOE Division of Career and Adult Education) where delivered through CTE course 8815120 (Finance cluster). (b) State instructional-materials categorical funds — FLDOE ran a dedicated 2024-25 Grades 9-12 Personal Financial Literacy and Money Management Instructional Materials Adoption. (c) NOTE: SB 1054 carried NO dedicated appropriation, and FLDOE publishes no financial-literacy PD grant; the Open Door Grant is postsecondary and does NOT apply.
Source: FLDOE Perkins V funding opportunities; FLDOE instructional-materials adoption
- State agency contact
- No dedicated financial-literacy contact published; closest owner is the FLDOE Office of Social Studies & Humanities — Timothy MacGregor, Director, timothy.macgregor@fldoe.org, 850-245-0489; specialists Barbara Cook (850-245-9429) and Michael Rosen (850-245-9890); Bureau Chief Patricia Duncan. CCD questions: FLDOE Office of Articulation.
Facts on this page last verified 2026-08-09; every pack is re-verified on a six-month cadence, and anything we cannot cite is marked rather than guessed.
The district awards the credit — no platform can. Ours is designed to align with the state’s learning standards, and it produces the documentation a district needs to award credit: the course object with its federal course code, a pass determination that shows its arithmetic, an hour ledger that counts only observed instructional minutes, and a verified record of demonstrated mastery for every student.